Diversified Income 120 vs Retirement Fortress

How $10,000 would have grown in each — compared across total return, income, NAV, and risk.

Compared over their common history since Oct 2024.

Judge on

Window

Diversified Income 120

Medium riskMedium reward

6.7%

yield · $56/mo per $10k

WinnerRetirement Fortress

Low riskLow reward

2.4%

yield · $20/mo per $10k

Retirement Fortress wins on total return (2–0, full common history).

Growth of $10,000 (dividends reinvested)

Diversified Income 120Retirement FortressDistributions reinvested · hypothetical, fixed weights

Total Return0–2

22.3%

Total Ret.

25.8%

13.4%

CAGR

15.5%

Income2–1

6.7%

Yield

2.4%

$56

Income

$20

1.28

Steadiness

0.48

Principal / NAVeven

6.6%

NAV

20.6%

-8.3%

Max DD

-12.5%

Riskeven

4.5

Risk-Adj.

10.5

2.48

Sortino

1.69

7.9%

Volatility

12.9%

2.2

Safety

1.9

Holdings overlap

0% overlap

Diversified Income 120 only

BIL 15%QDVO 13%VRP 12%FPE 10%AMLP 10%AMRFX 10%ANCFX 10%XPAY 10%BKLN 10%

Shared

No shared holdings

Retirement Fortress only

SCHD 30%VYM 25%DGRO 20%VIG 15%DVY 10%

The risk-first read

Retirement Fortress wins. Diversified Income 120 dangles a bigger 6.7% headline yield, but after NAV erosion its total return (22.3%) trails Retirement Fortress's 25.8% — and at a higher risk tier (2.2 vs 1.9). The classic yield trap.

Get one battle like this in your inbox every week

The Dividend Brief — free, risk-first, 2-min read.

Run your own matchups

Filter 30 portfolios by risk and reward and let the data crown a champion.

Growth is a hypothetical, fixed-weight backtest with distributions reinvested at ex-date since Oct 2024 — no fees or taxes; past performance doesn't predict future results. How these numbers are computed. Not investment advice.